Description
MARKET ANALYSIS OF SBI BANK
Introduction
? Established In 1806 at Calcutta as Bank Of
?
? ? ?
Calcutta It is the oldest bank of Indian sub-continent Head Quarter- Corporate Center, Madam Cama Road, Mumbai. Largest bank network in India with 16,000 branches Over 8,500 ATM’s
? Deposits- $195 Billion ? Revenues - $12 Billion ? SBI accounts for 1/5 of the nations loans ? SBI is 29th amongst most reputable
companies in the world according to Forbes ? Listed in B.S.E & N.S.E.
History
? Started as ‘Bank Of Calcutta’ on 2nd June
1806 ? Later Renamed as ‘Bank Of Bengal’ ? Later Bank Of Madras, Bank Of Bombay & Bank Of Bengal were merged to form ‘Imperial Bank Of India’ (1921). ? It was nationalised on 1955 & renamed ‘State Bank Of India’
Segmentation
? Geographic- Tier-I, Tier –II, Tier-III, Rural &
Semi –urban Branches. ? Age :- 10-59, 60 & above ? Income- Marginal, Low, Middle, High ? Occupation- Unskilled Workers, Skilled workers, Shop Owners, Businessmen.
Geographic Segmentation
? Tier-I – Mortgage, Autoloan, Education Loan,
Investment & Insurance
? Tier –II-Housing Loan, 2 wheeler Loan, Gold Loan, Credit Card, Mutual Funds. ? Tier-III- Loan Against Property, Fixed Deposits, Insurance. ? Rural & Semi –urban Branches- Agriculture Loans, Motor Loans, Etc.
Stage
Financial Situation Few Financial Burdens; recreation oriented Home purchasing peak; Liquid assets low;
Banking Needs Low-cost checking; auto loan; credit card Mortgage; Credit card; Revolving Credit Line; Bill Consolidation Loan Home Improvement Loans; Equity Credit Lines; Money Mkt Deposit accounts Investment services Monthly Income Checks on CDs; Direct Deposit of Social Security
10-26 27-40
41-59
60 and above
Good Financial Position;
Significantly reduced Income
Income
? Low- Fixed Deposits, Personal Loans,
Agricultue Loans
? Middle- Mutual Funds, Home Loan,
Consumer Durable Loans, Education Loans,
? High- Offers car loan, Credit card Services,
Home improvement loans, Insurance.
Occupation
? Unskilled Workers- Insurance Policies, Saving account,
Investment Schemes.
? Skilled workers- Loan for home, education, Consumer
durables, Car Loans,
? Shop Owners- Cash Credits, Insurance, Loan against bonds. ? Businessmen- Medium Term Loans, Loan against property , loan against gold.
PRODUCTS/SERVICES OFFERED
? ? ? ? ? ? ? ? ? ? ? ?
Personal Banking NRI Banking Current Accounts Corporate Banking Term Deposits Small Scale Industries Reinvestment Plan Small Business Finance Public Provident Fund Agriculture Finance Scheme Housing Government Business Loans Car Loans Other Services Education Loans Consumer Durables Loans Personal Loans Loans against Shares & Debentures Gold Loans
Fastest Growing Segment
Business Banking
• • • •
Current Account & Services Business Loans Trade services Advisory Services
? Microfinancing In Rural & Semi –Urban Areas.
Rural & Semi–Urban Areas
? 70 % of population lives in Rural areas. ? Rural Banking & Micro Finance ? Rural economy(Agriculture+ onagriculture)
Consists of 50% of GDP ? Current Demand For Credit In Rural India Is about 1,33,000. crs ? Commercial Banks Cover Only 7% of rural sector &large market is still untapped
Possible Rural Financal Inclusions
Criteria Considered for rural areas
? Tie –Up With Indian Postal Services To
?
? ? ?
Penetrate The Rural Market Partner With NGO To act as Business Facilators Low Cost ATM for wage distribution having local language interface. Increasing Rural Penetration by using methods such as ‘Bank On Wheels’ Using the ATM as mediators for loan Leads
doc_622440558.pptx
MARKET ANALYSIS OF SBI BANK
Introduction
? Established In 1806 at Calcutta as Bank Of
?
? ? ?
Calcutta It is the oldest bank of Indian sub-continent Head Quarter- Corporate Center, Madam Cama Road, Mumbai. Largest bank network in India with 16,000 branches Over 8,500 ATM’s
? Deposits- $195 Billion ? Revenues - $12 Billion ? SBI accounts for 1/5 of the nations loans ? SBI is 29th amongst most reputable
companies in the world according to Forbes ? Listed in B.S.E & N.S.E.
History
? Started as ‘Bank Of Calcutta’ on 2nd June
1806 ? Later Renamed as ‘Bank Of Bengal’ ? Later Bank Of Madras, Bank Of Bombay & Bank Of Bengal were merged to form ‘Imperial Bank Of India’ (1921). ? It was nationalised on 1955 & renamed ‘State Bank Of India’
Segmentation
? Geographic- Tier-I, Tier –II, Tier-III, Rural &
Semi –urban Branches. ? Age :- 10-59, 60 & above ? Income- Marginal, Low, Middle, High ? Occupation- Unskilled Workers, Skilled workers, Shop Owners, Businessmen.
Geographic Segmentation
? Tier-I – Mortgage, Autoloan, Education Loan,
Investment & Insurance
? Tier –II-Housing Loan, 2 wheeler Loan, Gold Loan, Credit Card, Mutual Funds. ? Tier-III- Loan Against Property, Fixed Deposits, Insurance. ? Rural & Semi –urban Branches- Agriculture Loans, Motor Loans, Etc.
Stage
Financial Situation Few Financial Burdens; recreation oriented Home purchasing peak; Liquid assets low;
Banking Needs Low-cost checking; auto loan; credit card Mortgage; Credit card; Revolving Credit Line; Bill Consolidation Loan Home Improvement Loans; Equity Credit Lines; Money Mkt Deposit accounts Investment services Monthly Income Checks on CDs; Direct Deposit of Social Security
10-26 27-40
41-59
60 and above
Good Financial Position;
Significantly reduced Income
Income
? Low- Fixed Deposits, Personal Loans,
Agricultue Loans
? Middle- Mutual Funds, Home Loan,
Consumer Durable Loans, Education Loans,
? High- Offers car loan, Credit card Services,
Home improvement loans, Insurance.
Occupation
? Unskilled Workers- Insurance Policies, Saving account,
Investment Schemes.
? Skilled workers- Loan for home, education, Consumer
durables, Car Loans,
? Shop Owners- Cash Credits, Insurance, Loan against bonds. ? Businessmen- Medium Term Loans, Loan against property , loan against gold.
PRODUCTS/SERVICES OFFERED
? ? ? ? ? ? ? ? ? ? ? ?
Personal Banking NRI Banking Current Accounts Corporate Banking Term Deposits Small Scale Industries Reinvestment Plan Small Business Finance Public Provident Fund Agriculture Finance Scheme Housing Government Business Loans Car Loans Other Services Education Loans Consumer Durables Loans Personal Loans Loans against Shares & Debentures Gold Loans
Fastest Growing Segment
Business Banking
• • • •
Current Account & Services Business Loans Trade services Advisory Services
? Microfinancing In Rural & Semi –Urban Areas.
Rural & Semi–Urban Areas
? 70 % of population lives in Rural areas. ? Rural Banking & Micro Finance ? Rural economy(Agriculture+ onagriculture)
Consists of 50% of GDP ? Current Demand For Credit In Rural India Is about 1,33,000. crs ? Commercial Banks Cover Only 7% of rural sector &large market is still untapped
Possible Rural Financal Inclusions
Criteria Considered for rural areas
? Tie –Up With Indian Postal Services To
?
? ? ?
Penetrate The Rural Market Partner With NGO To act as Business Facilators Low Cost ATM for wage distribution having local language interface. Increasing Rural Penetration by using methods such as ‘Bank On Wheels’ Using the ATM as mediators for loan Leads
doc_622440558.pptx